Nicholasville, KY asked in Estate Planning and Contracts for Kentucky

Q: Do I have to pay off loans or credit cards for my deceased Mom? She had no estate and $10,000 in life insurance.

When she passed I notified a loan company and credit cards, sent death certificates and was told they'd be forgiven. But now I'm getting calls and letters from them saying that they weren't forgiven and need to be paid. Since she only had a small insurance amount and the bills exceeded the amount. She had no estate and they've even told me I'm not responsible, but her estate is. She had nothing and I've made 6 payments to Lend Mark in Richmond since she's passed. I wasn't a cosigner or even on the loan. Do I have to pay the outstanding balances? What happens if I don't pay them? I draw SSDI, have Medicare and Medicaid.

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1 Lawyer Answer
Timothy Denison
Timothy Denison
  • Estate Planning Lawyer
  • Louisville, KY
  • Licensed in Kentucky

A: Don’t pay anything else. Lithe insurance money is yours and passes outside the estate. If she had nothing, there is nothing to pay them with and you are in no way liable for any of her debts.

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